*Policies are issued by Asia-Pacific Property & Casualty Insurance Co., Ltd.

  • Full Refund
  • Not Covered
  • Subject to Limits
  • Optional

API WorldCare Insurance Plans

Asia-Pacific Property & Casualty Insurance Co., Ltd. Individuals International Medical Insurance policies are issued by Asia-Pacific Property & Casualty Insurance Co., Ltd. Policies are administered by Now Health International (Shanghai) Limited.


Benefit Essential Advance Excel
Maximum annual benefit limit Annual Max Plan Limit RMB 18,500,000 Annual Max Plan Limit RMB 22,000,000 Annual Max Plan Limit RMB 25,000,000
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
Subject to Limits Full Refund Full Refund
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Subject to Limits Full Refund
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits
Maternity
Optional maternity care
Not Covered Optional Optional
Dental care
Optional routine and complex dental treatment
Not Covered Optional Not Covered
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Not Covered Subject to Limits Subject to Limits
Routine and complex dental treatment:
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
Not Covered Not Covered Subject to Limits
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
Not Covered Not Covered Not Covered
USA Elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
Optional Optional Optional
Wellness, optical and vaccinations

Added-value cover for wellness, optical and vaccinations (for compulsory group plans with 3 or more employees and not available for WorldCare Essential)

Not Covered Optional Optional
Medical history disregarded
We may be able to offer cover without asking for detailed medical information on your employees up-front (for compulsory group plans with 10 or more members)
Optional Optional Optional
Out-patient charges
A small optional amount of medical practitioner and physiotherapy benefit for WorldCare Essential
Optional Not Covered Not Covered
Greater China option

Cover for in-patient, day-patient, and out-patient treatment restricted to Greater China subject to the standard policy limits and emergency non elective treatment outside of Greater China. Greater China means Mainland China, Hong Kong, Macau and Taiwan.

Optional Optional Optional
High cost provider restriction

Reduce your premium by restricting your access to the high cost medical providers in Mainland China.

Optional Optional Optional
High cost provider co-insurance

Get access to the high cost medical providers in Mainland China but pay a 20% co-insurance to reduce your premium.

Not Covered Optional Optional
In-patient and out-patient co-insurance

Reduce your premium by paying an RMB 20% co-insurance for all treatment up to an out of pocket limit of RMB 63,000 per medical condition.

Not Covered Optional Optional
Out-patient restriction

Restrict any out-patient costs to a total of RMB 31,000 to reduce your premium.

Not Covered Optional Not Covered
Out-patient direct billing restricted network*

Opt for our out-patient direct billing option – you get a nil excess within our Restricted Network and a USD 100 excess out of the Restricted Network – a more cost-effective solution than choosing a nil excess. This option is only available for plans in-force on or after 1 August 2015 and for Residents of Hong Kong and China.

Not Covered Optional Optional
Co-insurance out-patient treatment

Select the co-insurance out-patient treatment option – pay either 10% or 20% of your out-patient treatment after any excess has been deducted (not available for WorldCare Essential).

Not Covered Optional Optional
Hospital room restriction – PRC residents only

Access in-patient treatment in a semi-private room or with a 15% co-inusrance up to an out of pocket limit of RMB 47,000 per medical condition.

Optional Optional Optional
Removal of co-insurance for dental care

The option to remove the co-insurance from the routine and complex dental benefit

Not Covered Not Covered Optional
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF
Contact Us Contact Us Contact Us

 

Back To Top